Send Money to Philippines — Live Rate Comparison 2026
Live mid-market FX rates. See exactly how much your family receives vs MLhuillier Kwarta Padala on every corridor.
Rates updated hourly from ECB. Fee structures verified April 2026.
MLhuillier padala rates 2026 — charge & fee table →M Lhuillier Kwarta PadalaFetching live rates…
Where the Money Goes: FX Margin vs Flat Fees
Two separate charges shrink an international transfer: the flat fee, and the foreign exchange markup applied on top of the mid-market rate. The markup is the one that usually costs more and the one least often quoted — a 2–3% margin on a ₱500 USD transfer costs a family ₱600–₱900 more than a provider running a 0.4% margin (Wise) or none at all (Sendwave). The comparison above is against Kwarta Padala as the benchmark; for its domestic padala fee brackets, see the dedicated table.
The calculator above uses live ECB mid-market rates to show the real difference. Providers listed are independently ranked — we earn affiliate commissions from some, but this does not affect rankings. MLhuillier is shown first specifically so you can see the gap.
Best Remittance Services to Philippines by Corridor
Related LABAN Answers
- Is M Lhuillier required to refund overcharges?
- What is the true cost of a padala? What fees can a remittance agent charge?
- The exchange rate on my remittance was bad — what are my rights?
- My padala was delayed or failed to go through — what are my rights?
- The recipient never received my padala — what do I do?
- Can I cancel or get a refund on a remittance I already sent?